How long is a credit report valid?

Answer Credit reports are valid for 90 days from the date they are pulled for a refinance or purchase of a home, but 120 days for a construction loan on an existing property. They are valid for up to 180 ... Read More »

Top Q&A For: How long is a credit report valid

How long do you need an active credit line to achieve a valid credit score?

On One Hand: Just a Few MonthsIf a borrower opens up a trade line and uses it frequently, it should take him just a few months to create a valid credit score. However, it should be noted that the c... Read More »

How long do bad credit records past the statute of limitations stay on a credit report?

Under the Fair Credit Reporting Act, credit bureaus must remove negative accounts older than seven years. If such an account appears on your credit report, you have the right to dispute it with the... Read More »

How long does a credit search stay on your credit report?

A credit search, or credit inquiry, happens when a creditor accesses your credit report from the credit bureau. Credit searches will usually stay on your credit report for 24 months.References:Cred... Read More »

How Long Does it Take for Credit Requests to Fall Off the Credit Report?

Most items on credit reports do not remain forever. The Credit Infocenter credit repair website explains that most negative things, like late payments, charge-offs and repossessions, are erased aft... Read More »